Call reports 2003
VISIONBANK OF IOWA — 2003
What VISIONBANK OF IOWA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 85,552,000 | 89,386,000 | 98,520,000 | 96,352,000 |
| Total loans | 65,987,000 | 69,842,000 | 74,158,000 | 73,515,000 |
| Allowance for loan losses | 992,000 | 999,000 | 981,000 | 1,038,000 |
| Securities available for sale | 15,050,000 | 15,040,000 | 17,903,000 | 18,101,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,754,000 | 61,319,000 | 69,938,000 | 65,175,000 |
| Interest-bearing deposits | 52,483,000 | 57,007,000 | 64,925,000 | 60,638,000 |
| Noninterest-bearing deposits | 5,271,000 | 4,313,000 | 5,013,000 | 4,537,000 |
| Equity capital | 6,879,000 | 7,627,000 | 7,624,000 | 7,749,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,247,000 | 2,470,000 | 3,737,000 | 5,099,000 |
| Interest expense | 559,000 | 1,108,000 | 1,619,000 | 2,123,000 |
| Net interest income | 688,000 | 1,362,000 | 2,118,000 | 2,976,000 |
| Noninterest income | 78,000 | 153,000 | 238,000 | 285,000 |
| Noninterest expense | 355,000 | 734,000 | 1,102,000 | 1,491,000 |
| Provision for loan losses | 32,000 | 32,000 | 222,000 | 302,000 |
| Pretax income | 379,000 | 652,000 | 935,000 | 1,371,000 |
| Income tax | 18,000 | 32,000 | 47,000 | 61,000 |
| Net income | 361,000 | 620,000 | 888,000 | 1,310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,329,000 | 6,788,000 | 7,056,000 | 7,278,000 |
| Total capital | 7,159,000 | 7,645,000 | 7,995,000 | 8,198,000 |
| Risk-weighted assets | 66,272,000 | 68,417,000 | 75,133,000 | 73,502,000 |